MetLife | Pet Insurance Review


out of 5

Number of reviews 133

  • 60 Days
  • 1 Year
  • Lifetime
  • Rating
  • 5.0
  • 4.9
  • 4.9
  • Count
  • 46
  • 120
  • 133
As one of Fortune magazine’s 2022 “World’s most admired companies,” MetLife is proud to have helped people protect what matters to them for 100+ years. MetLife Pet Insurance continues that tradition with a dedicated team of pet advocates who have been passionately serving pet parents for over 15 years. MetLife Pet Insurance offers pet parents an exceptional product from a best-in-class insurer at an affordable price — focused on flexible product offerings, competitive rates, and innovative policy benefits.

out of 5

POSTED: | BY: Roni jones


Simple and Fast processing,

POSTED: | BY: Valerie

I love MetLife for my pet insurance, it's very easy to submit claims , payment is quick, customer service is very courteous and all around a great experience for us. I recommend MetLife to everyone!


out of 5

POSTED: | BY: Mikel Jenkins

Great Experience

From the start of my introduction to Metlife Pet Insurance through claim reimbursement was a breeze. The information was comprehensive online, and the agent was professionsl, courteous, respectful, patient and quite knowledgeable. All of my questons were completely answered and thorough with the agent's responses. The process was easy, fast, and efficient. I have no complaints whatsoever. The ease of signing up and receiving my first reimbursement for my claim was excellent. I highly recommend Metlife Pet Insurance to all pet lovers (cats, dogs).

out of 5

POSTED: | BY: customer

0 Stars

0 Stars This is the absolute worst pet insurance company. They lie and give you the runaround then still deny your claim. You should be ashamed of yourselves MetLife! I paid $6,500 for my pet’s surgery, he had a fracture on his Left hip, I tripped over him one night. When I took him to urgent care the next day, they only saw hip dysplasia on the right hip. Nothing wrong with the left at the moment. When I took him back to my vet when the pain didn’t stop and he was limping on left hip, it was discovered he actually had a fracture on the Left hip which had NO hip dysplasia, only the right did. They denied it over and over again claiming they needed additional documents. Almost 6 months later and they never approved or paid surgical bill. This was clearly due to an accident but these scumbags saw hip dysplasia and blamed it on “preexisting conditions” You will find yourself in a lawsuit one day MetLife for all the people you’ve wronged. DO NOT ENROLL IN A POLICY WITH METLIFE. They are a nightmare to get any claim over $500 approved. Save your time, energy and go with any other pet insurance company. If you have a current policy with MetLife, CANCEL IT, I wouldn’t wish this frustration on anyone.

out of 5

POSTED: | BY: Gloria Caricchio

Look no further.

I called to get the best prices and tailor to my needs. Customer service rep was awesome, she not only went over EVERYTHING, but also gave me advice she didn't need to. I had Embrace, and they were making me wait a year for pr-exsisting conditions for a year starting Dec of 2021 and would run out Dec 2022. The conditions were worms that were resolved and cleared. When my kittens came home I was feeding too much as once, so they regurgitated. I called the vet for advice and she told us to feed them more frequently with smaller portions and it would resolve , which they did.. Embrace's policy was if something happened before Dec 2022, the clock would restart again from that date for another year. I was paying about $45 a month, no wellness included. Fast forward to MetLife Pet, I saw people on my various pet sites on Facebook mention MetLife Pet and make sure to CALL them, not to sign up. I told MetLife pet about the preexisting conditions and they said it was fine. Accident started from day 1 and illness started 14 days later. That was after the soap notes were read. I have a policy that is 250 annual deductible, 100 percent coverage. It covers wellness as well, and a host of other goodies. I pay about 61 dollars monthly. My cats prescription fleat/tick meds and heart-worm meds run me about 170 every 3 months, the yearly exam between fecal samples, vaccines and exams cost me about 450 dollars. I actually break even on the insurance, and if anything would happen to my cats, I have piece of mind I have coverage. I have called them several times regarding various questions, I am ocd, and like no surprises. They are always very nice, take their time answering. One of the best customer service I have ever encountered. I do have to pay out of pocket for reimbursement, but Their turn around time is super fast. I just ordered pills for my cats last week, they were shipped but were not here until tonight. I submitted as soon as I purchased and I just got an email tonight saying my claim has been approved and will be in my account later this week. I can't say enough about this company, I am super, super excited to have found them, and drive people crazy that have pets telling them to sign up for the insurance. My advice is to have a credit card with a good limit used just for the cats if possible. I have it put into my checking and then I disperse it to the credit cards.

out of 5

POSTED: | BY: Rachel Rooney

Excellent Program

A life-long dog owner, this is the first time that I have purchased pet insurance. I could not be more pleased with the experience. Filing a claim is easy, and customer services has been friendly and helpful. Claims are processed and payment deposited in my bank account in about 10 days. Amazing!

Monthly Cost

Plans can start at just $29


Customizable reimbursement rates from 70% to 100% of vet costs.

Payout Limits


Customizable deductibles from $50-$500

Age Limits

No upper age limits. Pets must be at least 8 weeks old to enroll.

Waiting Period

Accident – policy effective date (1 day waiting period); Illness – 14 days


Protect your pet’s health and your wallet with MetLife Pet Insurance. Plans can start at just $29 and you can easily customize your deductible and reimbursement rates so it works for you. WIth a hassle-free claims process, convenient mobile app, and reimbursement in less than two weeks, it’s easy to take the best care of your pet. Get a quote in two minutes or less!

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